Toby fell silent. He had no idea Brian was in such a precarious situation, and yet he still approved that twenty-nine-million-dollar loan for Sonia. He could imagine how much he had to go through just for the main bank's top brass to approve it. Toby suspected he had something in mind when he did this. He probably wants to get to me through Little Leaf.
Toby knew Brian. Brian didn't major in finance, but in psychology. In other words, he knew how people thought and behaved. He needs to find out if Sonia is getting along with me well before he can approve the loan? Yeah right. He said that to fool her into telling him the truth. He was just trying to find out if we were steady. He wanted to see if he could get what he really wanted. Of course he'd suspect our relationship was getting rocky if she would rather take a loan to settle her problem instead of asking me to help her out. He had to find out if we're doing well so he can achieve his goal, or all bets are off. He advised her to talk with me and approved her loan after he found out we're getting along well and why Sonia wanted a loan instead of asking for my help. He wants her to be grateful
to him, and he also wanted to guilt trip her a little.
He majored in psychology, and he was a man. He would know how Toby would react if he found out his girlfriend asked someone else for help instead of him. That was why he persuaded her to talk with Toby. On top of that, he could see how she would react too. If he could see that she was feeling guilty about upsetting Toby because she asked for an outsider's help instead of him, he could use that chance to convince Sonia to talk with him. If she took his suggestion, she would inevitably bring up the fact that Brian talked her into this, and that was his goal-to gain Toby's gratitude.
Brian knew what made people tick, and he knew Toby well. He was clear Toby hated owing anyone favors. If Toby knew Brian was the one who talked her into spilling everything to him, Toby would owe him a favor and pay him back. The public also knew Toby treated everyone he liked generously. He wouldn't hold back in rewarding those who helped him out either. It was always the very thing they wanted the most.
If Brian wanted to keep his position, he would need a lot of cash in his branch to hit his target. Toby was the only one in Seafield who had enough money for that cause, making him the only person who could help. He had to use Sonia, and through her, have Toby owe him a favor. He would cash in on that favor and keep his position. Huh. Nice plan. Beautifully executed. No wonder he was able to climb his way up from a regular banker to a branch president in just ten years.
His plan, schemes, and masterful level of reading the people around him impressed Toby. Man. Id love to hire him. Still, Toby was displeased that Brian roped him into his little scheme. Almost nobody had the guts to drag Toby into any of their schemes. However, Toby let it slide, since his scheme did help Sonia and changed their relationship for the better. Toby put his glass down and told Tom, "Citybank's interest rate is lower this year compared to the last, isn't it?"
"Yes." Tom nodded. "They're having a slight financial crisis overseas, so they lowered their interest rate, but it'll bounce back to normal soon. Citybank will give you the money you lost this year. Don't worry about it." Mr. Fuller is one of Citybank's biggest clients. They aren't gonna get on
his bad side.
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